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Data / Consumer complaints / Fair Collections & Outsourcing, Inc.

Fair Collections & Outsourcing, Inc.: 4,279 CFPB consumer complaints in the last 3 years

Fair Collections & Outsourcing, Inc. drew 4,279 consumer complaints in the CFPB database in the three years to November 6, 2026, and 6,699 since 2013. The largest group, 3,336, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 1,587. The company responded on time to 98.0% of the complaints, and 0.1% closed with monetary or other relief. The CFPB records the company as FAIR COLLECTIONS & OUTSOURCING, INC..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 4,279Complaints, last 3 years
  • 6,699Complaints, all years
  • 98.0%Responded on time
  • 0.1%Closed with relief
  • 6Products
  • Nov 2, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 61,588
20251,666
2024954
2023496
2022351
2021328
2020203
2019156
2018259
2017238
2016169
2015133
2014123
201335

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection3,33678%
Credit reporting or other personal consumer reports92821.7%
Debt or credit management100.2%
Credit card20.1%
Payday loan, title loan, personal loan, or advance loan20.1%
Checking or savings account10.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1,58737.1%
False statements or representation67115.7%
Written notification about debt58413.6%
Incorrect information on your report49711.6%
Took or threatened to take negative or legal action3688.6%
Problem with a company's investigation into an existing problem2155%
Improper use of your report1964.6%
Communication tactics711.7%
Threatened to contact someone or share information improperly310.7%
Electronic communications240.6%
Problem with a company's investigation into an existing issue130.3%
Credit monitoring or identity theft protection services60.1%
Confusing or misleading advertising or marketing30.1%
Confusing or missing disclosures20.1%
Identity theft protection or other monitoring services20.1%
Unauthorized withdrawals or charges20.1%
Charged upfront or unexpected fees10.1%
Didn't provide services promised10.1%
Getting a credit card10.1%
Managing an account10.1%
Problem with customer service10.1%
Problem with fraud alerts or security freezes10.1%
Struggling to pay your loan10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation4,24499.2%
In progress320.7%
Closed with non-monetary relief30.1%

States

StateComplaintsShare
Texas57813.5%
Florida46610.9%
California3828.9%
Georgia3438%
Maryland3167.4%
North Carolina2064.8%
New York1934.5%
Pennsylvania1894.4%
Virginia1693.9%
New Jersey1433.3%
Illinois1423.3%
Michigan1353.2%
Massachusetts1052.5%
District of Columbia872%
Ohio741.7%
Arizona621.4%
Missouri561.3%
Nevada561.3%
Indiana541.3%
Arkansas531.2%
Mississippi521.2%
South Carolina491.1%
Connecticut400.9%
Washington370.9%
Tennessee350.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 24, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 21, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 18, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.